nathan wrote:I just applied for auto ref with NFCU on friday 6 Jul and my application is still in process. I applied directly at the bank and I was told they will pull EQ only and my interest rate would be 10.5% instead of the 12% I am paying right now with citiauto. My EQ is 585 and my payment history is pretty good (one yr). Does any body think I have a shot. My payment will drop from 440 to 363 a month but I still plan to pay the 440. All I need is the reduced interest.